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Stop Paying Taxes on Social Security (The Provisional Income Trick)
Morningstar warns retirees!
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The $44,000 Social Security Cliff That Destroys Retirement Budgets

Withdraw $1,000 from your IRA in retirement and get taxed on $1,850. Here's the hidden formula the IRS uses—and how to avoid the Social Security Tax Torpedo.

*What You'll Learn:*
🔴 The $44,000 "cliff" that changes everything for married couples
🔴 Provisional Income: The metric the IRS actually uses (not AGI)
🔴 Why $1,000 withdrawal = $1,850 in taxable income
🔴 How 85% of Social Security becomes taxable instantly
🔴 Three strategies to stay under the cliff

*The Real Problem:*
These thresholds haven't been updated since 1993. A married couple's income goes from completely tax-free to 85% of Social Security being taxable—instantly. No warning. No gradual increase.

*Real Example:*
Bob and Sue take an extra $30,000 from their IRA. They expect to owe tax on $30,000. Instead, their taxable income jumps by $60,000 (the withdrawal PLUS newly exposed Social Security). That's an effective 40.7% tax rate.

*The Three Solutions:*
✓ Roth conversions and withdrawals (don't trigger Provisional Income)
✓ Time large withdrawals across multiple years
✓ Qualified Charitable Distributions for RMDs

*Bottom Line:*
You don't have to fall off the cliff. Know where it is. Plan around it. Keep the money you've earned.

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